| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: S.S. NESBITT & CO., INC. | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | HCC LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT AND COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $990 | $9K | 6.56% |
| S S NESBITT & CO INC3 Filed as: S.S. NESBITT & CO., INC. | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | HCC LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT & COMPANY | — | DELTA DENTAL INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT AND COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $144 | $3K | 15.75% |
| S S NESBITT & CO INC3 Filed as: SS NESBIT AND COMPANY INC | 3500 BLUE LAKE DRIVE SUITE 120 BIRMINGHAM, AL 35243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $127 | $3K | 15.75% |
| RYAN P HOERL3 Filed as: RYAN HOERL | 1968 EASTHERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $2K | — | $2K | 13.56% |
| KAREN L BURGESS3 Filed as: KAREN BURGESS | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $456 | — | $456 | 3.17% |
| EMPLOYER BENEFIT SOLUTIONS INC3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | AFLAC | $437 | — | $437 | 3.03% |
| DAVID G CHAVIERS3 | 949 SKYHAVEN DRIVE BOAZ, AL 35956 | AFLAC | $221 | $7 | $228 | 1.58% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $190 | $7 | $197 | 1.37% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $166 | — | $166 | 1.15% |
| SCOTT J RUSSELL3 Filed as: SCOTT RUSSELL | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | AFLAC | $65 | — | $65 | 0.45% |
| C BORLAND3 | 10471 PAUSCH ROAD LEESBURG, OH 45135 | AFLAC | $37 | — | $37 | 0.26% |
| SHANNON C WILLIAMS3 Filed as: SHANNON WILLIAMS | 7007 DICKEY SPRINGS ROAD BESSEMER, AL 35022 | AFLAC | $20 | — | $20 | 0.14% |
| LANZA & ASSOCIATES LLC3 | 4505 OINE TREE CIRCLE SUITE 201 VESTAVIA, AL 35243 | AFLAC | $19 | — | $19 | 0.13% |
| DEREK R MANN3 Filed as: DEREK MANN | 2708 SUMMERFIELD PLACE PHENIX CITY, AL 36867 | AFLAC | $14 | — | $14 | 0.10% |
| BENJAMIN M PONDER3 Filed as: BENJAMIN PONDER | 1111 WEST MORTON AVENUE SUITE 11 JACKSONVILLE, IL 62650 | AFLAC | $7 | — | $7 | 0.05% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 188 FRONT STREET SUITE 166 39 FRANKLIN, TN 37064 | AFLAC | $6 | — | $6 | 0.04% |
| BRANDON LEE NELSON3 Filed as: BRANDON NELSON | 236 CLARIDGE CURV PEACHTREE CITY, GA 30269 | AFLAC | $4 | — | $4 | 0.03% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $4 | — | $4 | 0.03% |
| MARVIN FORE3 | 4505 PINE TREE CIRCLE SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $3 | — | $3 | 0.02% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.01% |
| LYNNE HUDGINS MOORE3 Filed as: LYNNE MOORE | 8650 MINNIE BROWN ROAD SUITE 150 MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.01% |
| S S NESBITT & CO INC3 Filed as: SS NESBITT AND CO INC | 3500 BLUE LAKE DRIVE SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $907 | — | $907 | 10.01% |
| EMPLOYER BENEFIT SOLUTIONS INC3 | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $279 | — | $279 | 5.69% |
| KAREN L BURGESS3 Filed as: KAREN BURGESS | 1968 EASTERN VALLEY ROAD BESSEMER, AL 35022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $151 | — | $151 | 3.08% |
| TIMOTHY G BURCH JR3 | 2608 8TH STREET TUSOALOOSA, AL 35401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 2.04% |
| DAVID G CHAVIERS3 | 350 LOCUST STREET GADSDEN, AL 35901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 1.53% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY COURT NORTHPORT, AL 35475 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.94% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.90% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.47% |
| RONNIE N FURMAN3 | 6521 HIGHWAY 67 SOUTH SUITE M TUSCALOOSA, AL 35405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.24% |
| SALLY MEAD3 | 1535 FIANNA PLACE TERRACE FORT SMITH, AR 72908 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.12% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.12% |
| JOHN TODD LEE3 Filed as: JOHN 'TODD' LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| LYNNE H SCHORR3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.06% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 62 | $54K |
| Vision | VISION SERVICE PLAN | 44 | $9K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $168K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $17K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $132K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 72 | $254K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.